Thanks Woodsy.
I know I am asking dumb questions, and I accept it for what it is. I am an educated guy, and actually am kinda smart. I am just lacking the skills pertaining to investments and the economy etc. Never been a strong suit of mine. I do follow my 401k, and have it spread out over 5 funds, plus my company stock. Fortunately most of my nest egg is not controlled by me, and is strictly in municipal bonds, so I don't have to worry about my 401k so much.